Smartline Blog

Follow our Smartline blog for up to date latest Australian finance and property news.

Mortgage stress

Over 20 per cent of Australians experience mortgage stress

A survey from Roy Morgan’s research institute has found that nearly one million Australians experience mortgage stress. This equates to over 20 per cent of the population. While the results of Roy Morgan’s interviews of 10,000 owner-occupier mortgage holders are significant, mortgage stress is down slightly since this time last year, when 21.3 per cent […]

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manage investment property

Should you manage your own investment property?

Agent’s fees can consume a sizeable slice of the annual rental income for your investment property, but do they equate to money well spent? Australia is home to 2.03 million residential property investors, according to the ATO, while property research house CoreLogic estimates there are around 2.6 million investor-owned dwellings nationwide. One in four Australian […]

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equipment finance

5 things to know about leasing equipment

Did you know that rather than forking out to purchase equipment outright for your new or existing business, you can potentially lease equipment? This means you effectively rent the equipment from the lender, saving you upfront costs and giving you the opportunity to upgrade or purchase equipment at the end of the lease. Here, we […]

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house insurance

Do you need insurance when buying a house?

We all like feeling secure. Insurance is protection against the things that can go wrong. Yes, it costs a bit of money but insurance gives us peace of mind that if things go awry, we will be okay financially. But do you need insurance when purchasing a house? And if so, which insurance do you […]

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first home buyer credit crunch

Are first home buyers keeping the property market steady?

House prices in Sydney and Melbourne have fallen slightly in recent months. Falling house prices can be due to various factors, like increased interest rates, or oversupply. In current times, the drop in house prices has largely been attributed to what they call a ‘credit crunch’. What’s a credit crunch? A credit crunch is a […]

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Mortgage brokers increase customer competition and choice

A new report, ‘The Value of Mortgage Broking’, released this July by Deloitte Access Economics, has found that mortgage brokers increase competition and choice for customers, which brings a swag of benefits to the consumer, and the larger economy. Mortgage brokers began emerging in Australia in the mid-1980s, and now 55.7 per cent of loans […]

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Car Finance

Buying your car? Paperwork you may need

Beep! Beep! You’ve picked out a car and are keen to drive it home. Rather than purchasing the car outright, consider the benefits of buying it using finance. There are loads of car finance options out there. How do you sieve through them all to find the most suitable rate and conditions for your circumstances? […]

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Equipment finance : 7 important questions to ask

There are many expenses associated with setting up a small business. One of the most significant costs, of course, is equipment. Equipment finance, can help your business get going by leasing you the equipment, or offering you a loan so you can purchase the equipment outright. To get you started, we put together a list […]

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apartment

Live well in a small apartment

Are you dreaming about buying your first home, but feel daunted by house prices? Before you opt out, consider getting your foot on the property ladder with a small apartment.   As the Ai Group reported earlier this year, apartment construction is booming in Australia. Generally speaking, a small apartment is less expensive than a […]

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Client stories

Nick Tinning and Naomi Parkes

Nick Tinning and fiancée Naomi Parkes thought securing a loan to build their house would be relatively...

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Khris Lloyd

25-year-old Khris Lloyd was left in the lurch when his beloved credit union did a backflip on their pre-approval for a run-down...

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Kerry Simpson and Scott Wright

Kerry and Scott joke that their Smartline Adviser knows more about their finances than they do. Over the past 11 years...

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